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This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.
https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html

Small attachment to an iPhone that cost £288.00.
I know anything that relates to Apple can be very expensive, but what was the attachment ?
Did you return the attachment product in its original packaging ?
How often do you buy products from Amazon ?
How often do you return products to Amazon ?
Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?

So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely.
I don't see how we can move forward on that basis

Thank you.
First of all, this is not chronology so we don't have any sense of the timeline.
It's still rather complicated – but maybe when you produce a chronology it will come more into focus.
However, there are a few things that we can start to tease out.
You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer.
However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format.
You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings.
You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares.
You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did?
You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened.
You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you.
Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan.
I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble

Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.

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I had an Interim charging order placed on my home by Northern Rock in 2007.

I am in the process of selling my house now and I need to get this interim charging order note to be removed from the Land Registry.

The last communication i've had on behalf of Northern Rock was in 2012 communicating that this debt has been sent back to Northern Rock Assets Management. The contact details/phone numbers provided to me then are no longer valid.

How do I deal with this?

I am in a position to settle this debt but am struggling to find the company that has got my account.

I called the last company that communicated to me in 2012 but they do not have my account.

There are too many contacts for NRAM I found via google but they are all for PPI recovery.

Any advise would be appreciated.

Also, if I wouldn't find who holds my account,

can I apply to court to get this removed in the light of the creditor does no longer exist?

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The precise text from the Land Register was "(31.05.2007) Equitable charge created by an interim charging order of the Cardiff county courticon dated .... 2007 in favour of Northern Rockicon PLC". NOTE: Copy Filed

I have applied for a copy from the LR using form OC2

The loan was an "unsecured" and everything was on a single name (mine only).

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I have since tracked the Loan that was being managed by NRAM then sold on again to Marlin (another DCA).

Surely this loan is statute barred if 10 years old and the original Lender no longer exists, then I should be able to get it removed from Land registry?

Never statute barred after a CCJ.

They applied an interim charging in the hope of getting paid if the house was sold.

The interim charging order would not prevent a house being sold and if the creditor owed the money did not respond after being notified, then any Solicitors would surely be entitled to pass all sale proceeds to their client. Your Solicitors would surely just notify land registry.

No expert on this, but Solicitors must have a process they follow in your situation. They must come across very old interim charging orders where Banks no longer exist.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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The problem is I need to sell my house. How can I progress with this situation?

and you don't tell cabot either about the CCJ/CO.!!

I bet this is quite a low figure CCJ too?

know NRAM it'll be all flippin' bogus insurance and penalty fees

Thanks, I think I maybe need to speak to a conveyancer

Never statute barred after a CCJ.

They applied an interim charging in the hope of getting paid if the house was sold.

The interim charging order would not prevent a house being sold and if the creditor owed the money did not respond after being notified, then any Solicitors would surely be entitled to pass all sale proceeds to their client. Your Solicitors would surely just notify land registry.

No expert on this, but Solicitors must have a process they follow in your situation. They must come across very old interim charging orders where Banks no longer exist.

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I haven't been told that i must pay it, I looked on Land Registry for any issues prior to selling and noticed 2 equitable charges, the main one Northern Rock and one from HFC, ironically both companies no longer exist. I was under the impression that this would be picked up by the buyers Solicitor and insists on it being cleared before any sale.

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As per Companies House HFC Bank Ltd is liquidated, it had been taken over by HSBC (HSBC has a zero balance on my account).

Northern Rock became NRAM. NRAM doesn't have my account either.

The third parties bought the debts as "unsecured" loan but I haven't contacted them yet.

My other concern is

- are those third parties have legal rights to remove the CCJ/equitable charge considering the debt registered with them as unsecured and the CCJ/CO is still with the original companies (HFC and Northern Rock)?

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If you need to sell the house then just plough on with this and discuss the issue with a Solicitors that handles conveyancing. If there is just an interim charge, then after Solicitors notifying the creditors at the address shown on the land registry the house is being sold, if the creditors do not reply, then you will get the sale proceeds.

It is not your problem if these Banks have transferred ownership of your debts and are rubbish at maintaining records.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If you need to sell the house then just plough on with this and discuss the issue with a Solicitors that handles conveyancing. If there is just an interim charge, then after Solicitors notifying the creditors at the address shown on the land registry the house is being sold, if the creditors do not reply, then you will get the sale proceeds.

It is not your problem if these Banks have transferred ownership of your debts and are rubbish at maintaining records.